Thursday, 26 April 2018
Homeowners Insurance!  Do You Have Enough Coverage?
We have coverage discussions on two levels most often here in the insurance agency.
  • From the customer: “I’m not sure I have enough coverage on my home or on my property.  How much is enough?”
  • From the insurance company: “You just wrote a new home insurance policy for one of your insured’s and our walk-around inspection indicates the dwelling value amount is too low.”

It’s been interesting determining dwelling values over the last couple of years simply because, as the video below will show, the price to re-construct a dwelling is higher than the purchase price of the home or property.  So that becomes a challenge to educate the insured that if your home is worth $800,000, we need to insure it for $860,000 (which includes the land).

This video gives a great view of what so many in this country are facing as we all deal with correct values for insurance coverage:


At Benton White Insurance, we don’t want to over-insure or under-insure your property!  We want to do our best to help you obtain the coverage you need if you lose it all to a fire or tornado.  That’s our ultimate goal.  We have calculation programs to determine what type of home you have and we include all of the amenities you bring to insure.  Then we approximate a ‘contractors estimate’ to rebuild that should be very close to today’s market standards.  However, something we do that not all insurance agents take time to do is to REVIEW annually your coverage’s in order to make sure that re-build pricing and inflation hasn’t affected that dwelling value number to the point that we might need to adjust it.  If you are with an insurer now that doesn’t do that, you probably aren’t insured correctly.

Let us help!  With over 50 years of combined insurance experience, we are ready to assist you with auto insurance, homeowners insurance or some other insurance need you may face.  EMAIL us at or TEXT or CALL us at 615.377.1212.  We’re here and ready to EARN your business!

Posted on 04/26/2018 11:28 AM by Benton White
No comments yet.

Benton's Blog

4 Questions To Help You Decide If Long-Term Care Insurance Is Right For You!

Buying long-term care insurance is about risk management. It boils down to how you answer these four questions: 1.    Would a tragic event (i.e. becoming disabled and requiring long-term care services) overwhelm and deplete everything you own? 2.    Given your family history, what is the probability of you needing long-term care? 3.    Do you have ample retirement assets and income to pay for all the costs of long-term care? 4.    Do you mind reducing your estate if the need for long-term...

Hit-and-Run Deaths hit RECORD High!

WASHINGTON, D.C. - More than one hit-and-run crash occurs every minute on U.S. roads, according to new research from the AAA Foundation for Traffic Safety. These resulted in 2,049 deaths in 2016 – the highest number on record and a 60 percent increase since 2009. With the number of hit-and-run crashes on the rise, AAA is calling for drivers to be alert on the road in order to avoid a deadly crash and always remain on the scene if a crash occurs. AAA researchers examined common characteristics...

Why Does ANYONE Do This?

We have been candid and completely forthright with our thoughts about TEXTING and DRIVING or DISTRACTED DRIVING!  One action IS NOT worth the results of what can happen when you are behind a wheel of a car or riding with someone driving who gets distracted. AT&T has come forward with their “IT CAN WAIT!” campaign and it’s eye-opening to say the least.  I’ll say no more and let this following video speak for us and so many others in saying: “IS IT WORTH IT!?” .embed-container { position:...